Verrency (www.verrency.com) provides world-leading enterprise-grade card and wallet payments services for card issuers, card processors, and other digital financial services institutions. Verrency is a scheme-agnostic, white-label, "payments-innovation-as-a-service" that provides innovative Value Added Services live in the payments flow to card issuers enabling them to differentiate their services and drive new customer acquisition, retain and strengthen their share-of-wallet with existing customers while also significantly increasing security, control, and IoT connectibility. Verrency works behind-the-scenes - enabling everything from 2nd generation payments controls to aggregation to loyalty/ rewards spend to digital currency spend - with no change to existing payments rails, connections, or point-of-sale terminals. Verrency also enables rapid connection to 3rd party fintech partner services with little to no integration.